Our Solution

The end-to-end credit lifecycle platform for SME lenders

Power each step in your lending lifecycle, from prospecting to portfolio management, with a single solution that puts predictive intelligence in your hands.

Origination

Close new business with speed and reliability
Say goodbye to manual data collection and suffocation-by-spreadsheet. Improve the velocity of your sales funnel with automated tools to find, screen, and evaluate new business. 
Prospecting
Source new leads and unlock hidden value using risk-based filters.
Screening
Automate your screening process to focus on the leads that really matter.
Decisioning
Validate and close business faster with the most reliable risk ratings in the industry.

Portfolio

Portfolio management made easy
Be the master of your portfolio with centralised control and predictive insights. Our monitoring and analytics tools give you deeper insight into your portfolio’s performance – no analyst needed.
Monitoring
Receive real-time updates and early warning indicators for a live view of portfolio health.
Management
Run stress tests, segmentations, and what-if analyses for deep portfolio insight.
Maintenance
Streamline reporting and benchmarking to take action quickly and confidently.

Regulatory

Compliance without the complexity
Regulations shouldn’t distract you from your bottom line. We’ll take the stress out of rule-following so you can focus on your customers.
Capital
  • Streamline your slotting methodology with internal PD benchmarks.
  • Stress test your portfolio with ICAAP-compliant automation.
  • Get expert support to optimise your capital allocation.
Provisions
  • Instantly generate IFRS9-compliant PDs for your entire portfolio.
  • Optimise your provisions with external benchmarking. 
  • Automate the movement and management of your EWL pipeline.
Advisory
  • Implement custom-built risk models tailored to your sector and appetite.
  • Get regulation-compliant documentation created and updated.
  • Let machine learning enrich your risk models, automatically.
Prospecting
Screening
Decisioning
Monitoring
Management
Maintenance
Advisory
Provisions
Capital
Case Studies

What our clients say about us

“I don’t think our business would be around 5 years ago if it weren’t for the technology that Wiserfunding and Codat provide. They help give us the speed and accuracy we need to win business and scale very quickly, and it goes beyond technology – Wiserfunding are experts in SME credit risk and underwriting. They have provided support at every turn as we continue to scale. We get the data we need in 15 seconds, data that banks and credit bureaus simply don’t access, and the integration with our credit analytics enables us to make good, fast lending decisions. Wiserfunding and Codat have been invaluable to our growth.”
Jamie Beaumont
Founder & CEO
"We are delighted in the partnership with Wiserfunding, a company using the most advanced technologies to innovate the Altman Z-score and provide a comprehensive risk assessment to all SMEs that have issued minibonds on the ExtraMOT PRO, the professional segment of the Extra MOT market. Our collaboration with Wiserfunding started 3 years ago and since then has helped to make the Italian Stock Exchange ExtraMOT PRO market even more transparent and innovative."
Mr. Pietro Poletto
London Stock Exchange Group
"At Revolut Business, we are using the Wiserfunding Rating Model to support the risk assessment of our business customers exposing us to credit risk. We also plan to deploy this solution into our underwriting process to expedite decisions in the future. The team has been supportive of our needs and constantly worked to ensure the right solution for our global super app."
Jason Snelling
Business Credit Manager
We have added to our risk management tool kit by collaborated with Wiserfunding. These tools are essential for our digitised supply chain treasury management and financing platform. Being associated with Dr Altman’s Z-Score has added real value to our clients and our financiers. I recommend the Wiserfunding team, their talent and experiences is unique.
Yogavel Rasanayakam
Chief Executive Officer and Co-Founder